Governmentjobs.com, Inc. 401(k) Review & Grade
Governmentjobs.com, Inc. 401(k) Profit Sharing Plan & Trust
El Segundo, CAProfessional, Scientific & Technical Services541 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,865Employer $ per active participant
$8,366Employee $ saved per active participant
0.57%Direct admin cost, % of plan assets
$34.9MNet plan assets, end of year
$71,101Average balance per account
Score breakdown
- Employer generosity23.2 / 5046th percentile for employer $ per participant
- Low cost4.7 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1545th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 19th |
| Employee saving | 45th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($198,967 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $61,526 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Governmentjobs.com put in about $2,865 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.57% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,549,921 |
| Participant (employee) contributions | $4,525,887 |
| Other contributions (incl. rollovers in) | $674,996 |
| Administrative expenses paid from the plan | $174,617 |
| Investment advisory & management fees | $96,003 |
| Other admin expenses | $31 |
| Benefits paid out | $2,202,859 |
| Net assets, start / end of year | $26.1M / $34.9M |
| Active participants, start / end of year | 533 / 549 |
| Participants with account balances | 491 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aprio, LLC |
Largest service providers (Schedule C)
| Regatta Capital Group LLC | $96,003 reported compensation |
| Fidelity Investments Institutional | $78,583 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013120254NAL0000576243001, received 2025-10-13, EIN 33-0888748, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.